Average Cost Of Car Insurance For Teenagers – Car insurance costs $319 per month for a 19-year-old driver (or $3,822 per year). Young people generally have the highest car insurance rates, and coverage for a 19-year-old is $2,170 more expensive per year than for the average driver.
Rates are higher than average for 19-year-olds, but you can still get cheap car insurance from some companies. We’ve found the cheapest car insurance for 19-year-olds in the COUNTRY, offering cover for 43% less than the average for this age group.
Average Cost Of Car Insurance For Teenagers
Found auto insurance rates for 19-year-old drivers using rates provided by Quadrant Information Services for all zip codes in the 50 states plus Washington, D.C. for comprehensive coverage with the following coverage limits:
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The cost is the average cost for 21 and 18 year olds. To find the cost of adding a 19-year-old driver to your insurance policy, we found the cost of adding a 16-year-old driver to a family policy, then applied a percentage of the difference to the 16- and 19-year-old driver in that row.
The average 19-year-old pays $319 a month for car insurance, or $3,822 a year. Compared to the average coverage for most drivers, the cost of car insurance for a 19-year-old is 131% more expensive.
Despite the high average car insurance premium for a 19-year-old, many companies offer coverage at a lower cost. Our research has shown that the cost of insurance from the cheapest company can be 30% lower than the average.
USAA has the cheapest car insurance for 19-year-olds, but it’s only available to military members, veterans and their families. COUNTRY is the cheapest provider for 19-year-olds offering public coverage.
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The difference between the cheapest and most expensive companies for 19-year-olds can be thousands of dollars a year, so it’s important for young drivers to shop around and compare rates before choosing a policy.
Since rates can vary widely from company to company, even for the same driver, this is the best way to avoid paying more than you should for car insurance.
Yes, unlike younger drivers, 19-year-olds can buy private car insurance. A car insurance policy is a contract between the driver and the company, and only adults can agree to the contract.
Drivers who are under 19, such as 16- and 17-year-olds who have just received their licence, cannot get car insurance unless they subscribe to their parents’ existing policy or with their permission.
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Car insurance rates for 19-year-olds can vary depending on the driver’s gender. Rates are higher, in general, for men than for women. We found that car insurance costs for 19-year-old male drivers are $41 more per month than for female drivers.
Several states do not allow insurance companies to set prices based on gender. In the following states, 19-year-old male drivers will not pay more than their female counterparts:
Car insurance is more expensive for a 19-year-old male driver than for a female driver of the same age, but the price difference depends on the company.
Among the companies with the lowest car insurance rates for 19-year-olds, the pay gap between male and female drivers is the smallest at GEICO. At GEICO, male drivers pay just $15 less per month than female drivers.
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Car insurance rates for 19-year-olds are more expensive than average – but still cheaper than for younger drivers. We found that car insurance costs for 19-year-olds were 131% higher but 35% less than for 16, 17 and 18-year-old drivers.
Nineteen-year-olds pay higher average car insurance rates than 19-year-olds because they are less experienced than older drivers. Data shows that 19-year-olds are more likely to be involved in traffic accidents than older drivers,
Nationally, 19-year-olds pay an average of $3,822 a year for car insurance, but rates vary depending on where you live. The cost of car insurance for a 19-year-old varies from $5,739 when you compare the cheapest and most expensive states.
Hawaii has the cheapest auto insurance for 19-year-olds of any state because it doesn’t allow auto insurance companies to guess their age.
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On the other hand, Louisiana, already one of the most expensive states to cover, has the most expensive car insurance for a 19-year-old at $7,001 a year.
Rating How to rate: ‘ rating is determined by our editorial team. Our approach takes into account many factors, including price, financial assessment, quality of customer service and other product-specific characteristics.
On average, car insurance for a 19-year-old driver costs $187 per month (or $2,246 per year) with COUNTRY Financial. This makes the LAND 41% cheaper than the average for 19 year olds.
In addition to affordable prices, COUNTRY offers several discounts for 19-year-olds that they can take advantage of to keep costs down. These include discounts for full-time students who maintain a B average or better, and discounts for completing defense courses.
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COUNTRY also offers support such as a new car trade-in for vehicles up to five years old (better than the usual three-year period). You can also add roadside assistance and personal collision cover, although these are more standard services.
Although COUNTRY is the cheapest car insurance for 19-year-olds, it is not the cheapest company in any state. USAA is the cheapest car insurance company for 19-year-olds in 18 states.
Car insurance for 19-year-olds can be expensive, but you can still get cheap rates with some extra work.
The surest way to find the best car insurance for a 19-year-old is to compare quotes from several companies and choose the one that offers the cheapest rates. Other ways to save on car insurance for teenagers include:
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The average cost of car insurance for a 19-year-old is $3,822 a year — although it only costs $2,477 to add a 19-year-old to an existing insurance policy. Insurance costs more for 19-year-olds because they’ve spent less time driving.
USAA has the cheapest car insurance rates for 19 year olds. However, because USAA only offers coverage to military-connected individuals and families, COUNTRY is the cheapest 19-year-old company available to the general public.
Car insurance is usually more expensive for 19-year-old male drivers than for female drivers. On average, men are worth $496 more per year than women of the same age – although this varies by company.
Rachel Brennan is a senior editor and licensed auto insurance expert at. His work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders and AutoInsurance.com.
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Andrew Hurst is a senior editor and licensed motor insurance expert at. His work has also been featured in The New York Times, Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin and Property Casualty 360. Our mission is to help you make informed decisions about financial insurance in trust. We have advertising links with some of the services on this site. However, this does not affect our editorial decisions or recommendations. The rankings and listings of our reviews, tools and all other content are based on objective analysis and we own our opinions.
Your insurance rate is based in part on your age. Find out why age is taken into account and at what age you can expect to pay the most and least for car insurance.
Laura is an award-winning editor with content and communications experience covering auto insurance and personal finance. He has written for several media outlets, including the USA Today Network. He most recently worked in the public sector at the Nevada Department of Transportation.
John is the managing editor for Insurance.com and Insure.com. Prior to joining QuinStreet, John was a deputy editor at The Wall Street Journal and was an editor and reporter at several other outlets covering insurance, finance and technology.
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Car insurance rates are based on a variety of factors, age being one of the most important. In fact, young drivers between the ages of 16 and 19 are nearly three times more likely than drivers 20 or older to be involved in crashes, according to the CDC.
The cost of car insurance for people under 25 is relatively high. Teenagers and young drivers lack experience behind the wheel and are more prone to accidents, making them a risk to car insurance providers. Higher risk equals higher rates.
Our editors have broken down the cost of car insurance for ages 16 to 75 in each state. Here’s what you can expect to pay for car insurance each year.
California Auto Insurance Rates by Zip Code Enter ZIP for average rates. Then enter your age, gender and level of coverage for the adjusted rate.
Average Cost Of Car Insurance By State In 2023
State Minimum: Liability coverage is required to legally drive in your state; Some states mandate additional coverage, such as personal injury coverage, uninsured motorist coverage, and uninsured motorist coverage. 50/100/50 Liability Only: $50,000 per person / $100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damages caused to others. Full Coverage 100/300/100: $100,